William Ramstein

William Ramstein

From San Francisco, William worked for Figure Technologies' capital markets blockchain trading platform, Lending Club's ABS structuring team, SoFi's BD team and Yodlee as a Sales analyst.

Stocks   Technology   IPO

Israel's Playtika IPO is on. Will you be buying?

International diversification matters in asset allocation, and doing so in one of the world's most innovative start-up hubs, Israel, is now an option with the upcoming Playtika IPO. This Friday, the online mobile gaming company will be listed on the Nasdaq under the symbol PLTK for what could be a $1 billion raise. The company's business operations and risks are explored in this article:

Asset Allocation   Investing basics   Personal Finance   Investing

The Value Investing Method

We know Warren Buffett is a well-known value investor, but what does value investing really mean? Regardless of your financial background, here is a straight forward summary of this investment method. 

ETFs   Stocks   Asset Allocation

Think like a portfolio manager, and consider capitalizing on megatrend ETFs

We talked about megatrends  in our 2021 outlook article, so let's follow up here and answer the following question; how can I invest in a broad portfolio of underlying megatrend companies ?

IPO   Fintech

Affirm Holdings is the latest hot FinTech IPO company

FinTech IPOs are becoming the norm with e-commerce and online payments booming from Covid-led consumer online demand. Affirm specializes in "buy now pay later" solutions. Its system enables consumers to get items today, but pay over time. APRs start at 0% for short 3 month terms and grow to incrementally higher rates with longer repayment terms.

Technology   IPO   Fintech   M&A   US

Student loan pioneer SoFi IPO through SPAC

Based in San Francisco, SoFi is a leading online lending platform founded in 2011 to tackle the U.S. Student debt crisis through student loan refinancing. In 2011, the average American student had $26,600 in loans, and today the national debt has surpassed the $1.6 trillion mark. SoFi grew into a giant through the innovative marketing and financial practices explored in this article. 

Stocks   Technology

Roku the streaming and advertising godfather

Roku is a key player in the video streaming services market. They offer users a way to access various apps like Netflix, Hulu, and Amazon Prime Video through their device, and they monetize subscriptions through advertising cash flows. 

Stocks   Cryptocurrencies

Bitcoin mining explained, and the best mining companies.

So you might be curious to know how bitcoin mining works, or are considering becoming a bitcoin miner yourself ? Or perhaps you are looking for bitcoin mining public companies to invest in ? Read on.

Forex   Macro   Covid-19

Sweden country profile: Swedish Krona soars against the Dollar

The Swedish Krona has been in the news lately. Our research into the country will offer you an overview of why Sweden caught our attention at FlowBank and why there is more than just the Krona going for it. 

Cryptocurrencies   Bitcoin   Etherum

Cryptomania; behind the scenes of the crypto surge

A perspective on the potential dynamics behind the crypto asset surge we are seeing lately. If you are thinking about buying crypto assets yet know nothing about the crypto price surge, begin here.


2021 macro-economic outlook

With 2020 being the year of Covid-19, what will 2021 stand for? Our short rendering of macro-economic prospects will help you build your big picture intuition going into the coming year. 

artificial intelligence   ESG investing   Demographics   Infrastructure

5 mega trends to know about going into 2021

Want to enhance your long term position? Here are the main trends you should keep in mind in 2021.

Macro   Covid-19   E-commerce   Bitcoin   Emerging Markets

Investing perspective going into 2021

This year we experienced our first recession since the global meltdown of 2008, we radically changed our lifestyles, we confined, we lost our jobs, we saw dislocating economies, an e-commerce boom, a bitcoin bandwagon, nearly 2 million deaths related to the covid-19 pandemic. What's next?